Living together and sharing costs? Discover tips!

Questioner

In a few months I want to move in with my girlfriend. - My girlfriend owns a house and pays the mortgage and all the costs of the house every month. - I myself have a rental apartment, so I pay rent every month and receive housing benefit. What is the best way to divide/settle the costs when I move in with my girlfriend? If I pay her 'rent' she can use that money to pay the mortgage, among other things, but if the relationship suddenly ends (I hope not) I will have helped her pay off the mortgage and I will have nothing. - To what extent is it necessary and common to enter into a cohabitation agreement? - What is the best way to take out insurance for, among other things, the contents? Both a separate insurance or insure together on 1 insurance?

Lawyer

Day, Your girlfriend is not allowed to sublet her house from the bank. If you contribute to the costs, you would be better off taking over the fixed costs, for example. I do not agree with you that you are worse off if the relationship does not go well, after all, in the meantime you should have paid rent. It is wise to keep your home if possible for a certain period of time, and to take into account the fact that any relationship can end, whether quickly or not, therefore looking ahead to a situation where you will have to be placed on a waiting list for a rental home again and possibly have to rent more expensively. It is always wise to put things in writing, but even without that, in the case of cohabitation there is a simple community within the meaning given by law. Regarding home contents insurance: it is best to submit this question directly to a home contents insurer.